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How it Works - Plan & Pay

Shop today.
Pay later.

Buy what you want, own it instantly and pay for it with low monthly installments.
It’s the new way to pay.

Shop today.
Pay later.

Buy what you want, own it instantly and pay for it with low monthly installments.
It’s the new way to pay.

A better way to pay

Instant approval
decision

Complete a short application today and get a decision on approval within seconds.

Get it now
and ship for free

All orders are ready to ship with free delivery after your first payment.

Pay over time,
interest-free first 90 days

Split your payment into installments & pay no interest on any purchase paid off in full within 90 days.

Something extra...

All Plan & Pay orders ship free!
Use Plan & Pay on any order over $100 whether it's one item, or a cart full of your favorites!

Instant approval decision

Complete a short application today and get a decision on approval within seconds.

Get it now and ship for free

All orders are ready to ship with free delivery after a small down payment.

Pay over time, interest-free
first 90 days

Split your payment into installments & pay no interest on any purchase paid off in full within 90 days.

Something extra...

All Plan & Pay orders ship free!
Use Plan & Pay on any order over $100 whether it's one item, or a cart full of your favorites!

Get what you
want, now.

Delay the payment, not your purchase.
Complete your payment in up to 18 months with manageable, automatic monthly payments.

Flexible terms let you pay on a schedule that works for you. Pay off your purchase in 90 days and save!

Get what you want, now.

Delay the payment, not your purchase.
Complete your payment in up to 18 months with manageable, automatic monthly payments.

Flexible terms let you pay on a schedule that works for you. Pay off your purchase in 90 days and save!

Shop our
bestsellers today.
Pay for them tomorrow.

Fill your cart with top brand items like these, make a small down payment and get them shipped today.

Designer Dresses

Chic dresses for all of your
social events.

LG TVs

Shop for the ultimate home theatre experience from LG.

Stylish Handbags

Top off your look with a bag that brightens your day.

Jewelry and Watches

Sophisticated styles
for all occasions.

Shop our bestsellers today.
Pay for them tomorrow.

Fill your cart with top brand items like these, make a small down payment and get them shipped today.

Designer Dresses

Chic styles for every event on your social calendar.

LG TVs

Shop for the ultimate home theatre experience from LG.

Designer Handbags

Top off your look with a bag that brightens your day.

Jewelry and Watches

Sophisticated styles
for all occasions.

Shop our bestsellers today.

Pay for them tomorrow.

Fill your cart with top brand items like these, make a small down payment & get them shipped today.

Dresses

LG TV

Handbags

Shoes

Frequently Asked Questions

Question 1

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Question 2

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Frequently Asked Questions

Does Plan & Pay cost anything to use?

Other than your down payment and monthly payments, Plan & Pay does not charge anything additional to use! We use the information you provide during checkout to qualify your purchase, and a low financing rate is included in your monthly payments.  

Can I use Plan & Pay on more than one product?

Yes, you may finance any number of products as long as your cart total is over $100 and an amount within your approved spending limit.

What is needed to apply for Plan & Pay?

1. A valid email address
2. A valid US address
3. A valid Social Security Number
4. A valid credit or debit card to make monthly payments
5. Must be 18 years of age or older
6. Proof of income of at least $1,000 a month

Do I need to have good credit?

No. Good credit is not necessary but not everyone with less than perfect credit is approved. Our goal is to provide flexible financing options to as many customers as possible

Will this impact my credit score?

Plan & Pay does not impact your credit score. We use the information you provide during checkout to verify your identity and run simple checks to qualify your purchase.

What is my available spending limit and does it expire?

This is the amount you are able to spend when you buy with Plan & Pay. This amount may change from time to time based on your current finances.

Will Plan & Pay remind me of my auto-payment withdrawal?

Yes! Every month we’ll send you email reminders to help you keep on track with your next payment date and current balance.

How do I make my monthly payments?

There will be a down payment requirement that is due at checkout, and subsequent Plan & Pay payments are auto-withdrawn monthly from the credit card or debit card you used at checkout. You can also access your account information on our site by clicking on “Your Account” section. Please contact customer service at 1-800-526-7534 if you have any further questions regarding your account or payments.

How much will shipping cost?

Shipping is free!


TERMS & CONDITIONS: Order subtotals must be over $100 before taxes to qualify for Plan and Pay. *3 months same as cash offer is valid for 90 days after the lease start date. For example, the offer would expire on September 29 for a lease that started on July 1. If not a leap year, the offer would expire on May 2 for a lease that started on February 1. Cash price calculated as item price plus shipping and tax (if applicable). You do not pay any rental cost if you pay your lease off within the first 90 days using the Early Payoff feature. You will own your item upon successful completion of your Early Payoff payment. **Monthly price shown is based on an 18 month term and 21% rental cost; actual offer structure depends on customer application